lifetime guarantee

In what appears to be a screeching halt to the bottoming out of term insurance prices, several companies moved within the past month to unseat perennial term insurance giant Banner Life, a subsidiary of Legal and General America. Banner responded today by lowering rates in their three best rates classes, preferred plus, preferred and standard […]

I wrote an article for Agent Sales Journal in their June magazine titled, “Would you sell that to your mother?” ASJ is an industry magazine and online presence that allows agents to share their opinions. I’ve had several calls from agents since writing the article, all except one wanting to know more about how I […]

A few years ago I shopped for final expense life insurance just to see what was available and being pushed. I knew there was a propensity in the industry to push some really overpriced, under guaranteed products as senior life insurance. I just wanted to experience first hand how bad these products were and how […]

A client of mine called today in response to a blog post I had written about the current state of estate preservation life insurance and exemption laws. After reviewing his situation I concurred with his estate attorney that he should look at acquiring a 2nd to die life insurance policy. Remember that a second to […]

If an older person does a search for final expense life insurance, the typical policy that someone in their 60’s or 70’s might want, you could easily be led to believe that the only thing available is guaranteed issue or no exam life insurance (simplified issue). Big names like Colonial Penn, AARP and Globe tend […]

In my zeal to trounce on life insurance companies that are doing wrong by their clients I mistakenly posted that Banner Life and American General do not offer a guaranteed permanent product for conversion for customers that have had a policy in force for more than 5 years. Banner’s stated “practice” on conversion is that […]

The life insurance industry made a big deal of the year 2000 and the impending monster changes in the term life insurance pricing that were just waiting for the ball to drop in Times Square. They even came up with a special name for the event, Triple X. The whole country was caught up in […]

When all of the sub prime mortgages started going south life as we knew it changed, big time. The American dream became the good old days in just a matter of months. I wonder if someone had shouted loud enough or provided disclaimers scary enough before the loans if we could have averted at least […]

We Really DO Come Through for our Clients.

“Ed, I just wanted to reach out and thank you and your team for securing
life insurance for me. I know my case was surprisingly challenging, with
recent kidney cancer and being pregnant, but I truly appreciated your
persistence and continued communication. Now my family is covered.”